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Investing Made Better

Investing Made Better
Source: Betterment's calculations using a $100,000 portfolio; Mutual fund assumes average expense ratio of 1.4% (ICIFactBook, 2012), Typical Advised ETF assumes a 10 fund portfolio with 4 rebalances per year, trading costs of $8.50/trade (average of Etrade, Scottrade, Schwab, Fidelity), 0.44% average ETF expenses (Morningstar Investment Research) and 1% annual average advisory fee (PriceMetrix). Betterment costs include annual advisory fee of 0.15% plus current average portfolio expenses of 0.19%. Ongoing Annual Cost Comparison Get more from every dollar you invest with our tax-efficient automated rebalancing, and one management fee as low as 0.15%. Every transaction and trade is free. We have no hidden costs.

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Behind the Fin Tech buzz As a culture, we place great value in the latest and greatest in products and industries. Now that the cloud is turning from trendy to hoary, the new hot topic is “Fin Tech”. But what is Fin Tech exactly and does it have the possibility to be as transformative as the cloud is proving to be? The Fin Tech leader, Lending Club, saw its valuation rise by 56% to $8.5 billion when they listed on the NYSE in December. Is this just the tip of the iceberg for Fin Tech or an isolated incident that is based more on hope than actual results?

Mind Fees in Your Withdrawal Rate Retirees should be aware of how costs can eat into their portfolio balances, and consider making withdrawal adjustments every year, says Morningstar's David Blanchett. How to set a sustainable withdrawal rate is a crucial topic for retirees. With bond yields as low as they are, a recent study by David Blanchett, Michael Finke, and Wade Pfau suggests that a 3% withdrawal rate--rather than the so-called 4% rule--will help improve retirees' probability of success. Vanguard: Helping you reach your investing goals Liz Tammaro: So we received quite a few questions in advance when you all registered for this webcast. We're going to get started with our first question and, Jim, I'm going to give this one to you. So it makes a lot of sense before we get started, let's define what is an ETF.

50 Things Men Wish Women Knew I just came across this article and thought it would be great for all of us ladies on here. I know my single friends and I always question what guys really want and this gives us a little more insight into that. Not to mention it's some great advice from men about what they wish we ladies knew/understood about them. Hope you enjoy!! (Also, be sure to check out our list of 50 Things Women Wish Men Knew)

Morningstar UK adopts programmatic with Improve Digital Global investment firm optimises online advertising with the Improve Digital 360 Platform Morningstar, Inc, a leading global investment research and management firm, is set to expand its sales strategy into programmatic advertising for the first time in the UK. This move is made possible by a new partnership with Improve Digital, Europe’s leading programmatic advertising technology provider for premium publishers. Morningstar offers access to and objective information on more than 9,000 funds available to individual investors in the UK via its online platform.

Why You’re Paying Too Much in Fees Image Credit: Christophe Vorlet By Jason Zweig | 1:01 pm ET June 19, 2015 The way financial advisors charge for their advice often makes no sense, and it needs to change. The typical advisor charges absurdly high fees to manage your money, often with mediocre results—but next to nothing to provide financial-planning expertise, which can be hugely valuable. According to survey data gathered from more than 7,000 advisors by Cerulli Associates, a financial-research firm in Boston, 79% of advisors’ compensation comes from asset-based fees—which may bear little relationship to the services the clients use. Such charges, typically based on the size of a client’s investment portfolio, vary widely. Investment Products Get in touch Call, email 24/7 or visit a branch Call us: 800-454-9272Email us Trade commission–free for 60 days + get up to $600*

Lyric Writing Exercises: a 5-Day Workshop Guest post by Maria Rainier If you’re anything like most songwriters, you’re all too familiar with that frustrating sensation of being stuck in a rut. You know it’s important to write something – anything – every day, but there are times when that just seems impossible. Maybe you don’t have enough energy, you might be too critical of your first attempts, or you could be missing out on the muse.

FinTech Revolution: How Startups Are Changing Finance The FinTech Revolution is happening. Tech ventures are revolutionizing the financial industry. In this article, I focus on the reasons of this revolution from a strategy perspective. How to Tell How Your Investments are Really Doing Q: How can I tell how my investments actually did, factoring in reinvested dividends and gains and periodic contributions? And can I trust Morningstar and fund prospectuses to be correct? A: “These are really good questions, with multiple answers,” says Thomas McGuigan, a certified financial planner with Exencial Wealth Advisors in Old Lyme, Conn. Let’s start with the easy one first: Can you trust return data published by mutual fund companies and made available by fund trackers such as Morningstar and Lipper? That you can.

Essential Portfolios - Robo Advisor Get in touch Call, email 24/7 or visit a branch Call us: 800-454-9272Email us 47 Sites Every Recording Musician Should Visit In a recent “Open Mic” we asked you, “Which music-related sites do you visit regularly?” This article is a summary of the great suggestions given in the comments to that article. You can make the list even longer by commenting on this article.

Digitisation replaces regulation as top concern for retail banks Retail banking priorities 2015 [Click to Enlarge] The need for a digital strategy has leapt to the top of retail banks’ agendas over the past year, replacing regulatory issues, as they look to fend of competition from tech and e-commerce rivals. Sponsored for the second year by financial software specialist Temenos, the EIU canvassed 208 banking executives internationally for their views on the challenges and changes they expect over the next five years.

Online Financial Planning: The Chilling Thing I Found Out About My 70th Birthday Retirement plans are like sausage. I want mine to be fat and juicy, and until recently I really didn't care how it was made. But then I got a peek at the recipe, and suddenly I had opinions about how it was put together. On Tuesday, LearnVest, a financial budgeting platform and lifestyle website aimed at women, launched low-cost financial planning services to help demystify the ingredients that go into investing and retirement plans for individuals. LearnVest joins other online financial advisory websites such as Personal Capital and FutureAdvisor that also aim to increase transparency and decrease the costs of financial planning.

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